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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:I've already the detail on your website about coverage plan. However, I would like to make sure about my understanding. I would like to buy Safe travel USA comprehensive program on April 13 to May 12. I would like to ask about following questions. 1) Will it cover new onset of COVID-19 after April 13? - I am a Thai citizen. My age is 52. I flew from Bangkok to NYC and arrived at NYC on March 10. 2) In case that I visit a medical care in PPO network such as urgent care, emergency room or hospital admission, will I have to pay the money before making claims? Or the medical care will contact you for the bills? 3) Is the claims process difficult or does it usually have any issues as I've seen a lot of negative reviews on the internet?

A:
Thank you for your interest in purchasing insurance through us. 1) Only couple of plan provides coverage for COVID-19 after Mar 27th. Safe Travels Comprehensive plan covers as long as you are infected after the effective date of the policy. Safe Travels USA Comprehensive plan brochure, instant purchase link can be found here. 2) This plan participates in the network called First Health PPO. 3) At the time of claim insurance will pay according to policy wording. Please feel free to contact us if you have any additional questions.
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Q:What is the cancellation procedure for Safe Travels USA Comprehensive?

A:
You can find the refund policy here.
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Q:Is it possible to purchase the Safe Travels USA Comprehensive month by month? The plan has corona coverage, correct?

A:
Yes, the plan is extendable and can be extended month by month. Extension rule for Safe Travels USA comprehensive can be found here. There is no specific exclusion for COVID. It will be covered as any other sickness as long as insured person infected after the effective date of the policy. It will not cover any pre-existing conditions or preventive care. Please read more information regarding COVID-19 here.
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Q:I am looking for coverage for my parents, who are already in US for more than 30 days. Are they covered for Covid-19 ? I am specifically looking for Patriot america Plus insurance.

A:
The Patriot plans will not cover Covid-19. Most plans are now not covering for the virus. We can recommend the Safe Travels USA Comprehensive. That plan only excludes coverage if the insured is traveling to a level 3 warning area. Otherwise it would be treated as any other new illness on the plan. If someone were to become ill with anything, currently including Covid-19, if the doctor determined it manifested after the policy effective date, it could be covered. If It were determined to be manifesting prior to the policy's effective date, it would be deemed pre-existing and not covered. Please let us know if you have any additional questions.
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Q:I am trying to take insurance for my parents who arrived on 1/29/2020. Its not allowing me it. Is the date of purchase an issue or something else?

A:
The date of arrival should not prevent you from being able to purchase most plans. If you would like assistance, you can contact our office directly at 1-866-INSUBUY (467-8289) and we would be glad to assist in finding out what is preventing you to be able to complete purchasing.
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Q:I am a citizen of India and I just finished my PhD (2012-2019) in the US on an F1 Visa. I started my OPT on 23 Jan 2020 and I am looking for insurance for me and my dependent spouse. I looked at some of your plans and I noticed that I may be eligible for StudentSecure plan (Elite/Select). I tried getting a quote on insubuy, but I don't find an option to add my spouse to this plan. Can you kindly instruct me how to proceed?

A:
StudentSecureplan is available only for Student. You can't enroll spouse. Please find OPT insurance plans here. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please review policy wording also. You can purchase either ExchangeGuard or Safe Travels USA Comprehensive plan from the link above. Please feel free to contact us if you have any questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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